Motorcycle insurance by state follows one big rule with fifty sets of fine print: nearly every state requires riders to carry the same liability minimums it sets for cars under its financial-responsibility law, while helmet laws, license endorsements, and equipment rules differ at every border. This comparison table shows every state’s minimum liability limits side by side, with a direct link to the full motorcycle guide for each state.
Whether you ride year-round, are moving to a new state, or want to confirm your policy still meets the law, this motorcycle insurance by state table puts the numbers in one place. Click any state name for its full guide covering helmet law, endorsement rules, state-specific quirks, and what the smart coverage above the minimum looks like.
Quick Facts — U.S. Motorcycle Insurance (2026)
- Nearly every state requires liability insurance to ride on public roads
- Liability minimums generally match each state’s auto minimums under the same financial-responsibility law
- Helmet laws split three ways: all riders, younger/novice riders only, or conditional rules — and the state you are riding in decides
- Every state requires a motorcycle endorsement or license to ride legally
- Liability covers others — your own bike needs collision and comprehensive
Motorcycle Insurance by State — Minimum Liability Limits
The motorcycle insurance by state table below shows each state’s minimum required liability limits, written as per-person bodily injury, per-accident bodily injury, and property damage. Motorcycles fall under the same financial-responsibility minimums as passenger cars in nearly every state; your state’s full guide confirms the exact rule, the helmet law, and the endorsement requirements.
| State | BI/Person | BI/Accident | Property Damage | Fault System | State Guide |
|---|---|---|---|---|---|
| Alabama | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| Alaska | $50,000 | $100,000 | $25,000 | At-Fault | Full Guide → |
| Arizona | $25,000 | $50,000 | $15,000 | At-Fault | Full Guide → |
| Arkansas | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| California | $30,000 | $60,000 | $15,000 | At-Fault | Full Guide → |
| Colorado | $25,000 | $50,000 | $15,000 | At-Fault | Full Guide → |
| Connecticut | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| Delaware | $25,000 | $50,000 | $10,000 | No-Fault | Full Guide → |
| Florida | $25,000 | $50,000 | $10,000 | At-Fault | Full Guide → |
| Georgia | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| Hawaii | $40,000 | $80,000 | $20,000 | No-Fault | Full Guide → |
| Idaho | $25,000 | $50,000 | $15,000 | At-Fault | Full Guide → |
| Illinois | $25,000 | $50,000 | $20,000 | At-Fault | Full Guide → |
| Indiana | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| Iowa | $20,000 | $40,000 | $15,000 | At-Fault | Full Guide → |
| Kansas | $25,000 | $50,000 | $25,000 | No-Fault | Full Guide → |
| Kentucky | $25,000 | $50,000 | $25,000 | Choice | Full Guide → |
| Louisiana | $15,000 | $30,000 | $25,000 | At-Fault | Full Guide → |
| Maine | $50,000 | $100,000 | $25,000 | At-Fault | Full Guide → |
| Maryland | $30,000 | $60,000 | $15,000 | At-Fault | Full Guide → |
| Massachusetts | $25,000 | $50,000 | $30,000 | No-Fault | Full Guide → |
| Michigan | $50,000 | $100,000 | $10,000 | No-Fault | Full Guide → |
| Minnesota | $30,000 | $60,000 | $10,000 | No-Fault | Full Guide → |
| Mississippi | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| Missouri | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| Montana | $25,000 | $50,000 | $20,000 | At-Fault | Full Guide → |
| Nebraska | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| Nevada | $25,000 | $50,000 | $20,000 | At-Fault | Full Guide → |
| New Hampshire | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| New Jersey | $35,000 | $70,000 | $25,000 | Choice | Full Guide → |
| New Mexico | $25,000 | $50,000 | $10,000 | At-Fault | Full Guide → |
| New York | $25,000 | $50,000 | $10,000 | No-Fault | Full Guide → |
| North Carolina | $50,000 | $100,000 | $50,000 | At-Fault | Full Guide → |
| North Dakota | $25,000 | $50,000 | $25,000 | No-Fault | Full Guide → |
| Ohio | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| Oklahoma | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| Oregon | $25,000 | $50,000 | $20,000 | At-Fault | Full Guide → |
| Pennsylvania | $15,000 | $30,000 | $5,000 | Choice | Full Guide → |
| Rhode Island | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| South Carolina | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| South Dakota | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| Tennessee | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| Texas | $30,000 | $60,000 | $25,000 | At-Fault | Full Guide → |
| Utah | $30,000 | $65,000 | $25,000 | No-Fault | Full Guide → |
| Vermont | $25,000 | $50,000 | $10,000 | At-Fault | Full Guide → |
| Virginia | $50,000 | $100,000 | $25,000 | At-Fault | Full Guide → |
| Washington | $25,000 | $50,000 | $10,000 | At-Fault | Full Guide → |
| West Virginia | $25,000 | $50,000 | $25,000 | At-Fault | Full Guide → |
| Wisconsin | $25,000 | $50,000 | $10,000 | At-Fault | Full Guide → |
| Wyoming | $25,000 | $50,000 | $20,000 | At-Fault | Full Guide → |
Motorcycle insurance by state minimums shown are each state’s auto financial-responsibility limits, which apply to motorcycles in nearly every state — open your state’s guide for the confirmed rule and any exceptions. PIP treatment differs for motorcycles in several no-fault states and is covered inside each guide.
Understanding Motorcycle Insurance by State Minimums
Minimum liability protects the people you might hurt, not you or your bike. A rider is far more exposed in a crash than a driver, and a single serious accident can pass these minimums quickly — which is why most riders should treat the state minimum as a floor when weighing motorcycle insurance by state requirements against real-world crash costs. Uninsured motorist coverage deserves special attention on two wheels: if an uninsured driver hits you, your own policy is the only one paying.
Beyond the motorcycle insurance by state minimums, collision and comprehensive cover the bike itself, gear coverage protects what you wear, and a lay-up arrangement keeps winter months cheap without creating a coverage gap that follows you into every future quote.
Why Helmet and License Rules Are Not in This Table
Helmet laws and endorsement details change more often than liability minimums and carry exceptions that do not fit a table cell honestly — age thresholds, insurance-linked conditions, novice-rider windows. Each state’s full guide pairs the motorcycle insurance by state minimums above with its current helmet law and license rule in plain English with the official state source to confirm them, which is the right place for a rule your safety and your ticket depend on.
Compare Insurance Rates
State minimums are the starting point. What you actually pay depends on your bike, your record, your ZIP code, and how you store the machine. Comparing quotes from multiple insurers is the single most reliable way to lower the price of motorcycle insurance by state law standards or any coverage above them.
(paid link)
Official Sources
- NAIC: naic.org
- Insurance Information Institute: iii.org
- USA.gov — Car Insurance: usa.gov/car-insurance
Motorcycle insurance by state data compiled from official state sources and this site’s state guides. Last reviewed July 2026. Click any state name above for detailed requirements, penalties, and savings tips from the full state guide.